Start My Answer

How to Respond to Plaintiff's Counsel

Dena Standley | February 24, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: The plaintiff's counsel is just the fancy legal way of saying the opposing side's attorney. If you are sued for a debt you owe, it's important to respond to respond to the case by sending an Answer to the plaintiff's counsel. SoloSuit can help you draft an Answer in minutes.

If you have received a Summons or Complaint in the mail, then you may be a bit worried. There is a lot that goes on in a lawsuit. If you do not respond, then you may have a default judgment ordered against you. This is why it is essential to know how to respond to a plaintiff's counsel.

This article will cover everything you need to know about how to respond to the plaintiff's counsel if you are involved in a lawsuit.

Let's jump right in.

What is the plaintiff's counsel?

In a lawsuit, the plaintiff is the person or company that is suing another person or company. Counsel is just a fancy word for an attorney. So, in a debt collection case, the plaintiff is the party that initiated the case, and their counsel is their attorney.

It is good to note that in some states there is a legal ethics rule that expressly prohibits a non-lawyer client from contacting another party directly. However, if you live in a state where this is legal, then you can do so. Otherwise, you will need to have a lawyer do this for you. This means that you might not be able to contact the person suing you directly, but you can always contact their lawyer and communicate through them.

When you respond to a lawsuit, you must file your documents in the court, but you should also send a copy of them to the opposing attorney. This is how you properly respond to the plaintiff's counsel.

Keep reading to learn more.

Respond to a Summons and Complaint

When you receive a lawsuit in the mail, you must respond with a written Answer or you will lose by default. The Summons document will notify you that you are being sued, but the Complaint tells you the specific claims being made against you. In your Answer, you should focus on responding to each claim from the Complaint.

Here are the three ways you can respond to a claim listed in the Complaint:

  1. Admit: When you answer with “Admit” you will indicate that the claim is true. Admitting is like agreeing with the plaintiff's claims against you. Essentially, you need to be sure that you want to admit certain claims when you file your Answer.
  2. Deny: Denying is the legal way of saying that you refuse to admit a claim before the court. It doesn't necessarily mean that the claim isn't true, but just that you are requesting proof of the claim. If you deny the fact, then the plaintiff will need to prove the opposite in court. It is essential that you do not deny a fact that you know to be true. If you do this, it is considered committing perjury.
  3. Deny due to lack of knowledge: If you have fully reviewed the facts and cannot admit nor deny them, then you can state this. It is a legal method of stating that you do not know what is true or what is false after fully reviewing all of the evidence available.

Keep in mind that most attorneys suggest that you deny as many claims as possible. This will create a stronger case for you, because it requires more work for the plaintiff and their counsel to prove their claims. And if they cannot prove their allegations, they might even drop the case.

SoloSuit can help you draft an Answer in just 15 minutes.

Send all court documents to the plaintiff's counsel

Like we mentioned, it might not be legal for you to contact the plaintiff directly. Instead, you should send all communications to their attorney. When you file your Answer with the court, make sure to print a copy to send to the plaintiff's attorney in the mail. Their address should be listed on the Summons document you received when you were notified of the lawsuit.

If you choose to send your Answer document in the mail, it's smart to send it via USPS certified mail with a return receipt. This will serve as proof that you notified the opposing party of your response to the lawsuit and your intent to contest it (or fight back).

How to respond to the plaintiff's counsel via email

One thing you need to think about is that everything you put in writing may end up as an exhibit in front of the judge. This means that before you send anything in an email, make sure it is proofread, but also think about how it could affect your side of the case. You want to appear reasonable and non-emotional, only stating facts.

You should also avoid being too friendly with the counsel. Maintain a respectful level of conduct, but keep it professional. Ensure that nothing could be misconstrued in a court of law. This also means you should avoid putting the email address in the “To:” location, before you have fully proofread and ensured the email is ready to be sent. You don't want to accidentally send the email before it's ready.

In some states, electronic filing with the courts is required. This means you can send your court documents to the court and the plaintiff's attorney at the same time. Just enter their email address (listed on the Summons) when you submit your electronic filing.

Respond to a settlement offer

The opposing attorney can reach out to you at any point in the case to discuss a settlement. This might be great news for you, because you might end up paying less with a settlement than a judgment.

After you receive a settlement offer from the plaintiff's counsel, follow these tips when you respond:

  1. Remain calm and fully analyze the offer. Do not respond emotionally.
  2. Ask questions about the offer to understand the reasoning behind it.
  3. Present the facts for why you think you should have a different offer, if applicable.
  4. Develop a counteroffer (or an acceptance letter if you accept the offer).
  5. Respond in writing.

When responding to the settlement in writing, you should do so in a formal response in the form of a demand letter. This should be in response to the initial offer notifying the insurer that you are rejecting it. You can focus on any faulty assumptions made by the insurance company that made the initial offer. You will also want to include any details that were not in the original statement.

If you want to initiate the settlement negotiation process, you can try sending an offer for free.

Settle with SoloSettle

Make an Offer

What plaintiffs ask during discovery

After you respond to a debt collection case with an Answer, the case may move to discovery. Discovery is the legal process that gives both sides of the case the chance to submit additional evidence that helps prove their side.

There are many questions that plaintiffs may ask during discovery. For example:

  • What did you hear, see, or do in connecting with the case?
  • What was said at a particular time and place?
  • What is the identity of a particular individual who might know something about the lawsuit?
  • Detailed information on how a business is run.
  • Documents relating to the case.
  • What is the personal, educational, and professional background of the witness?

However, there are a few topics they cannot touch on, including:

  • Confidential conversations: Conversations between people of a specific relationship, such as spouses, lawyer/client, doctor/patient, or religious advisors, are protected in a court of law. No one in these relationships can be required to disclose any information, verbal or written.
  • Private matters: There are matters that are considered private, including health or body issues, sexuality, sexual practices, sexual partners, spiritual or religious beliefs, and immediate family relationships. These are off-limits in court.
  • Privacy rights of third parties: The privacy rights of third parties such as family members, co-workers, or any witnesses, are off-limits.

SoloSuit can file your Answer for you in all 50 states.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court